Please Note: We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal laws.

Please be advised that the following state and municipal disclaimers are only applicable to consumers living in those jurisdictions.

California Residents: The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

You may request records showing the following: (1) that Huntington Debt Holding, LLC has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date the debt became delinquent or the date of the last payment; (4) the name of the creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and (6) the names of all persons or entities other than Huntington Debt Holding to which the debt has been assigned, if applicable. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to: Huntington Debt Holding, 1965 Sheridan Dr, Suite 200, Buffalo, NY 14223

Colorado Residents:

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.

Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority.

Our in-state office is located at 8690 Wolfe Court, Suite 110, Westminster, CO 80031 telephone number (303) 920-4763. We suggest that you send all correspondence and payments to our home office listed on top of letter. We also suggest that you contact our home office via telephone for any verbal inquiries that you may have.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDITUNIT/COLLECTION-AGENCY-REGULATION/.

DISTRICT OF COLUMBIA

If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:

(1) The name of the original creditor as well as the name of the current creditor or owner of your debt;
(2) Your last account number with the original creditor;
(3) A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms;
(4) The date that your debt was incurred;
(5) The date of your last payment, if applicable; and
(6) An itemized accounting of the amount claimed to be owed, including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt.
You may request the above information by contacting us by phone, mail, or email, at the following: (telephone number, address, email address)

If your debt has been reduced to a judgment by a court, you have a right to a copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment.

Georgia Residents: We do not charge fees for payments made online, by mail or over the phone. Our physical address is 1965 Sheridan Dr Suite 200 Buffalo, NY 14223

Massachusetts Residents: NOTICE OF IMPORTANT RIGHTS – YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR.

Minnesota Residents: This collection agency is licensed by the Minnesota Department of Commerce.

There are resources available to help manage your debt. The following Minnesota organizations offer debt and credit counseling services. The Department of Commerce does not control or guarantee any of the services provided by these organizations. The provision of this list is not a referral to, or endorsement or recommendation of, any organization or the organization’s services.

LSS Financial Counseling Service
Multiple Minnesota Locations
Phone: 888-577-2227
www.lssmn.org/financialcounseling

Consumer Credit of Minnesota
5871 Cedar Lake Rd S, #105 St. Louis Park, MN 55416
Phone: 952-544-6800
www.ccofminnesota.org

Family Means Financial Solutions
1875 Northwestern Avenue South Stillwater, MN 55082
Phone: 651-439-4840 | 800-327-3203
www.familymeans.org/financial-solutions

North Carolina Residents: This collection agency conducts business in the state of North Carolina under North Carolina Department of Insurance Permit No. 119507390. Huntington Debt Holding, LLC 1965 Sheridan Dr, Suite 200, Buffalo, NY 14223

City of New York Residents: New York City Department of Consumer Affairs License Number: 2079211-DCA. Debt collectors, in accordance with the Fair Debt Collections Practice Act 15 U.S.C. 1692 et seq, are prohibited from engaging in abusive, deceptive and unfair debt collection efforts, including but not limited to: a) the use or threat of violence; b) the use of obscene or profane language; and c) repeated phone calls made with the intent to annoy, abuse, or harass.

Please inform Huntington Debt Holdings if your language preference is any language other the English.

Huntington Debt Holdings does not provide any language access services other than English. A translation and description of commonly used debt collections terms is available in multiple languages on the NYC Department of Consumer and Workers Protection website www.nyc.gov/dcwp.

New York Residents: Debt collectors, in accordance with the Federal Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass.

CONSUMERS MAY REQUEST THIS LETTER IN LARGE PRINT BY CALLING 888-326-1253

Tennessee Residents: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance.

Wisconsin Residents: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.